I'm going to take a somewhat different tack and ask if you have written down a plan that identifies where you want to be in retirement. No, not a physical location, but rather a financial position that allows you to be the person you want to be.

Do you need a retirement income of $40,000 year vs. 60K vs. 100K?

If you know your goal ... then the vehicle to get you there becomes more easily identified.

When I say 'written down", I don't mean a 15 minute, off the top of your head 'spoof'. I mean a thoughtful, 18 month effort.

In part... this is a plan for your life.

I recommend Stephen Covey's "First Things First"... (do NOT read it for the 'executive time management' focus, but rather, read it for the life plan focus).

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